Thanks for your replies.... it is a legit company I am travelling with, but they charge 3.5% commission if paid by credit card.
My old Mum banks with Barclays, but unsurprisingly doesn't bank online. Purely as an exercise, I'll look at the above options out of curiosity.
I'm reluctant to change from Santander, seeing as I get fee free cash withdrawals, with a decent exchange rate, when I use their ATMs in Spain. Where I spend increasing amounts of time.
But that £25 fee is a rip off.....
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